Performance Highlights for the quarter ended 31 st Dec 2009 Presentation by P.R.Karanth ,

1. Performance Highlights for the quarter ended 31st Dec 2009 Presentation by P.R.Karanth, General Manager At the Analyst Meet held on 28.01.2010 at Mumbai

2. Increase by: 128 61 [12M] [9M] The Bank has 2 representative offices at Dubai & HongKong

5. Branch Network Punjab Chgrh 28 / 25 1 / 1 Delhi: 59 95 3 /3 Assam 1/ 1 Sikkim 1 / 1 Haryana 34 / 32 52 69 15 16 3 /5 4 / 4 51 57 24 27 29/34 9 10 Branches: 1094 EC: 3 Online ATMs: 1057 Covering 24 States & 2 UT Meghalaya 1 / 1 114 107 Goa: 42 24 106 75 314 291 P’chery 2 / 1 122 104 Kerala: 65 46 A Premier Public Sector Bank

7. Rs. in Crore Business Parameters

8. Total Business Total business growth y-o-y Rs.34,290 crore Total business growth y-o-y 32.10% [Rs.in crore]

9. Gross and Net Profit [Rs.in crore] Net Profit grew by 35.69% to Rs.857.92 crores

10. Gross NPA stood at 1.32% as against 1.24% in Dec ‘2008 • Net NPA stood at 0.45% as against 0.33% as on Dec ‘2008 • Cash Recovery (including upgradation) amounted to Rs.216.99 crore as against Rs.193.44 crore during corresponding previous 9 months period

11. (Rs.in crore)

12. (Rs.in crore)

14. (Rs.in crs)

15. (Rs.in crs) Interest Spread

16. (Rs.in crs)

18. Bank is well capitalised [Rs.in crore] • CRAR under BASEL I requirement is 15.48% of which Tier-I is 9.32% and Tier II is 6.16 %. • CRAR under BASEL II requirement is 17.24% of which Tier-I is 10.38% and Tier II is 6.86%. • Bank has raised Rs.2,050 crore bonds to augment capital requirement of which Rs. 1,550 crore is upper Tier II bonds and Rs.500 crore is Tier I Bonds during 2009-10.

20. Quarterly Comparison (sequential)

22. [Rs. In Crores]

24. RESOURCES

25. Aggregate Deposits growth 36.38% (y-o-y) • Average Deposits growth 31.33% (y-o-y) • Cost of Deposit decreased from 6.91% in Dec’08 & 7.02% in Mar’09 to 6.16% [Rs. In crore] A Premier Public Sector Bank

26. [Rs.in crore] A Premier Public Sector Bank

27. [Rs.in crore] A Premier Public Sector Bank

28. Focusing on Top Potential 200 Branches to augment their CASA deposits • Continuously supporting the newly opened Branches to tap the market potential of the new areas. •   Utilizing the Overseas Representative Offices to expand the NRI Clientele. • Strengthening of Retail Sales Units for reaching out to new customers and thereby increasing the business generation capability. •    Installation of POS machines in large numbers to scale up CA Portfolio.

29. CREDIT A Premier Public Sector Bank

30. Aggregate Advances growth 26.20% (y-o-y) • Yield on Advances has decreased from 10.83% to 10.22% on y-o-y basis [Rs. In crore] A Premier Public Sector Bank

31. Average Credit (Rs.in Crs)

32. CD Ratio

33. Yield on Advances

34. Credit Growth [y-o-y] [Rs. In Crs]

35. Credit Growth -Dec’2009 [Rs. In Crs]

36. SECTORAL DEPLOYMENT OF CREDIT [Rs. In Crs]

37. Industrial Credit deployment Rs. In Crs.

38. Exposure to Sensitive Sector [Rs. In Crs] * Comm Real Estate (as per revised definition)

39. Export Credit Rs. In Crs

40. SME ADVANCES

41. SME ADVANCES [Rs. in crores] 41

42. Industry-wise Credit Exposure – Dec’09 Rs. In Crs 42

43. PRIORITY SECTOR [Rs. in crore] 43

44. RETAIL LENDING PORTFOLIO 44

45. RETAIL LENDING PORTFOLIO 45

46. TREASURY A Premier Public Sector Bank

47. Investment growth (Y-O-Y) Rs.12,559 crores • Yield on Investments stood at 6.76% [Rs. In crore] A Premier Public Sector Bank

48. A Premier Public Sector Bank

49. [Rs. in crore] G-sec in HTM & AFS [Rs. in crore] A Premier Public Sector Bank

50. A Premier Public Sector Bank